System for capturing passenger and trip data for a vehicle

ABSTRACT

Telematics and external data relating to the real-time driving of a driver of a taxi vehicle may be collected and used to calculate a driving score. A telematics device installed in the taxi vehicle may collect vehicle data, trip data, and passenger data from one or more sensors. A computing device in communication with the telematics device may calculate a driving score for the taxi vehicle during a trip based on a type of vehicle, a type of trip, a number of miles driven during the trip, a duration of the trip, a number of passengers in the taxi vehicle during the trip, and a type of the passengers in the taxi vehicle during the trip. As one example, the driving score may be provided to an employer of a driver of the taxi vehicle.

CROSS-REFERENCE TO RELATED APPLICATIONS

This application is a continuation of U.S. patent application Ser. No.16/440,429, filed Jun. 13, 2019, which is a continuation of U.S. patentapplication Ser. No. 15/160,208 which is a continuation of U.S. patentapplication Ser. No. 13/564,524, entitled “Calculation and Utilizationof a Driving Score,” filed Aug. 1, 2012, the disclosure of which isincorporated herein by reference.

TECHNICAL FIELD

Aspects of the disclosure generally relate to the calculation andutilization of a driving score. In particular, various aspects of thedisclosure include a framework for using telematics to calculate andutilize a driving score.

BACKGROUND

Telematics may be described as use of technology to communicateinformation from one location to another. Telematics has been used forvarious applications, including for the exchange of information withelectronic sensors. As telematics technology has progressed, variouscommunication methodologies have been incorporated into automobiles andother types of vehicles.

One example of telematics systems currently in use in automobiles areon-board diagnostics (OBD) systems. From early versions of OBD systemsthat included crude implementations of control for features such as fuelinjection to more sophisticated and standardized OBD-I and OBD-II units,these units have served as an electronic gateway into the health of avehicle. These systems have allowed users to monitor a wide variety ofengine sensors and systems, including emissions control, coolanttemperature, engine RPM, vehicle speed, timing advance, throttleposition, and oxygen sensing, among other things. Moreover, handheldunits, mobile devices, personal computers, data loggers, and otherdevices may be connected to the OBD systems to serve as the interfacefor displaying data outputted by the OBD system. Data obtained from OBDsystems has been used for a variety of purposes, including maintenance,diagnosis, and analysis.

SUMMARY OF THE INVENTION

Aspects of the disclosure relate to methods and systems for calculatingand utilizing a driving score. In at least one embodiment, a pluralityof real-time driving data or inputs is captured by a telematics device.The real-time driving inputs may include one or more of one or more ofspeed, acceleration, braking, steering, user of turn signals, user ofseat belts, use of radio, use of a phone, location, miles driven, typeof trip, engine status, oil level, tire pressure, number of passengers,and lane departures. One or more driving conditions may be received. Thedriving conditions may be one or more of weather, road conditions, typeof road, and time of day. A processor may calculate the driving score.The driving score may be based at least in part on the plurality ofreal-time driving inputs and the one or more driving conditions. Thecalculated driving score may be sent to one or more devices or entities,such as a portable device.

In at least one embodiment, the driving score is validated by avalidating agency. The validated driving score may be sent to one ormore third parties. The third parties may be one or more of a financialinstitution, an insurance company, a credit agency, a department ofmotor vehicles. The third party may utilize the driving score in aspectsof its business. The driving score may be sent to and stored on adevice. The device may be a computing device or may be a portabledevice, such as a key fob or a mobile telephone.

In at least one embodiment, the driving score is displayed to thedriver. The driving score may be displayed on a device belonging to thedriver, such as a key fob or a mobile telephone. Alternatively, thedriving score may be displayed on an item within a vehicle, such as awindshield or rearview mirror. The driving score may be a numerical,alphabetical, or graphical value.

In at least one embodiment, a driving report is generated. The drivingreport may be sent to one or more individuals and/or entities. Forexample, the driving report may be sent to an insurance company or thedriver. The driving report may contain information relating to thereal-time driving inputs collected and the driving conditions received.The driving report may also include information relating to the drivingscore and the habits of the driver. The driving report may also includerecommendations relating to the driver's habits and or the effects ofthe driver's habits.

BRIEF DESCRIPTION OF THE DRAWINGS

The present disclosure is illustrated by way of example and is notlimited in the accompanying figures in which:

FIG. 1 shows a system involving an illustrative device through whichvarious aspects of the disclosure may be implemented.

FIG. 2 is an illustrative block diagram of a system that may be used toimplement the processes and functions of certain aspects of the presentdisclosure.

FIG. 3 illustrates a method for calculating and utilizing a drivingscore in accordance with certain aspects of the disclosure.

DETAILED DESCRIPTION OF THE INVENTION

Aspects of the disclosure relate to methods, computer readable media,and apparatuses for using telematics data and external data to calculateand utilize a driving score for a driver of a vehicle.

FIG. 1 illustrates a block diagram of a telematics device 101 (e.g., acomputing device) in communication system 100 that may be used accordingto an illustrative embodiment of the disclosure. The device 101 may havea processor 103 for controlling overall operation of the telematicsdevice 101 and its associated components, including RAM 105, ROM 107,input/output module 109, and memory 115. In certain embodiments, device101 physically resides in an item (e.g., a vehicle, a mobile telephone,etc.) and receives information from sensors or other measurement devicesincorporated into the item, and in other embodiments, device 101 maycommunicate from a remote location to sensors within an item.

I/O 109 may include a microphone, keypad, touch screen, and/or stylusthrough which a user of device 101 may provide input, and may alsoinclude one or more of a speaker for providing audio output and a videodisplay device for providing textual, audiovisual and/or graphicaloutput. Software may be stored within memory 115 and/or storage toprovide instructions to processor 103 for enabling device 101 to performvarious functions. For example, memory 115 may store software used bythe device 101, such as an operating system 117, application programs119, and an associated database 121. Processor 103 and its associatedcomponents may allow the device 101 to run a series of computer-readableinstructions to read, store, and analyze various details about an item'soperating parameters. For instance, the device 101 may capture datarelated to the real-time driving data of a driver of a vehicle. Thedevice 101 may capture information related multiple parameterssimultaneously and/or in real-time.

The device 101 may operate in a networked environment supportingconnections to one or more remote computers, such as terminals 141 and151. The terminals 141 and 151 may be personal computers or servers thatinclude many or all of the elements described above relative to thedevice 101. Alternatively, terminal 141 and/or 151 may be storageservers for storing data associated with device 101. The networkconnections depicted in FIG. 1 includes a local area network (LAN) 125and a wide area network (WAN) 129, but may also include other networks.When used in a LAN networking environment, the device 101 is connectedto the LAN 125 through a network interface or adapter 123. When used ina WAN networking environment, the device101 may include a modem 127 orother means for establishing communications over the WAN 129, such asthe Internet 131. It will be appreciated that the network connectionsshown are illustrative and other means of establishing a communicationslink between the computers may be used. For example, the device 101 maycommunicate wirelessly with other computing systems and receivers. Theexistence of any of various well-known protocols such as TCP/IP,Ethernet, FTP, HTTP and the like is presumed.

Additionally, an application program 119 used by device 101 according toan illustrative embodiment of the disclosure may include computerexecutable instructions for invoking functionality related to capturingdata associated with an item's operational state through sensors presenton or around the item, processing this data, and/or storing the datalocally and/or remotely. Device 101 and/or terminals 141 or 151 may alsobe mobile terminals including various other components, such as abattery, speaker, and antennas (not shown).

The disclosure is operational with numerous other general purpose and/orspecial purpose computing system environments or configurations.Examples of well-known computing systems, environments, and/orconfigurations that may be suitable for use with the disclosure include,but are not limited to, personal computers, server computers, hand-heldor laptop devices, multiprocessor systems, microprocessor-based systems,set top boxes, programmable user electronics, network PCs,minicomputers, mainframe computers, mobile telephones, smart phones, anddistributed computing environments that include any of the above systemsor devices, and the like.

Aspects of the disclosure may be described in the general context ofcomputer-executable instructions, such as program modules, beingexecuted by a computer. Generally, program modules include routines,programs, objects, components, data structures, etc. that performparticular tasks or implement particular abstract data types. Thedisclosure may also be practiced in distributed computing environmentswhere tasks are performed by remote processing devices that are linkedthrough a communications network. In a distributed computingenvironment, program modules may be located in both local and remotecomputer storage media including memory storage devices.

Referring to FIG. 2, an illustrative system 200 for implementing methodsaccording to the present disclosure is shown. As illustrated, system 200may include a telematics device 101, a computing device 201, and one ormore input/output devices 202. Computing device 201 may be a computingdevice for processing data generated by telematics device 101 andcalculating a driving score based on the processed data. Computingdevice 101 may receive data from a variety of input/output devices 202,including vehicle telematics data, smartphone telematics data, data fromservice providers, and/or demographic/descriptive data from thirdparties 203. Computing device 201 may reside either remotely or local toan item in which device 101 resides. If computing device 201 resideslocal to the item along with telematics device 101, computing device 201may be integrated with telematics device 101.

Computing device 201 may possess many of the same hardware/softwarecomponents as telematics device 101 shown in FIG. 1. For instance, thecomputing device 201 may be used by a program manager and/or insuranceprovider associated with the item which accompanies telematics device101 to apply various business logic rules for determining a drivingscore for one or more drivers. The program manager may be a separateentity that may oversee implementation and validation of a driving scoreprogram. Alternatively, the program manager may be one of the serviceproviders already involved in the driving score program, including aninsurance provider, original equipment manufacturer (OEM), maintenanceprovider, or other service provider. The program manager may be anentity that enables data exchange and transaction processing between allparties involved in a driving score program.

The telematics device 101 may capture or receive any type of datarelating to real-time driving. For example, the telematics device 101may collect data relating to the driver's speed, acceleration of avehicle, braking of a vehicle and/or anti-lock braking systemapplication, and/or steering of a vehicle. The telematics device 101 maycollect data relating to the vehicle, such as airbag deployment,anti-theft system disablement, use of headlights, whether the back-uplights turn on, whether the brake lights are on, door opening, doorlocking, use of cruise control, use of hazard lights, use of wipers,horn application, whether turn signals are used, whether seat belts areworn, whether a driver plays the radio, and/or talks on a telephone. Thetelematics device 101 may also capture data relating to the observanceof traffic signals and signs. The telematics device 101 may also collectdata relating to other vehicles, such as the presence and distance ofvehicles on the side, front or back of the vehicle being monitored.

Additionally, the telematics device 101 may capture data relating tovehicle maintenance, such as the engine status, oil level, enginecoolant temperature, odometer reading, the level of fuel in a tank,engine revolutions per minute (RPM), and/or tire pressure. The type ofvehicle driven may also be recorded. The type of vehicle driven may bedetermined from the vehicle itself or by accessing data from an entity,such as an insurance policy. If a driver has more than one vehicleavailable to drive, the choice of vehicle may be collected. The choiceof vehicle may be determined by accessing data that lists the availablevehicles, such as an insurance policy, and/or data from the vehicleitself.

The telematics device 101 may be configured to collect data regardingthe passengers of the vehicle. For example, the number of passengers ortypes of passengers (e.g. adults, children, teenagers, pets, etc.) maybe collected. The driver's route choice, whether the driver follows agiven route, type of trip (e.g. commute, errand, new route, etc.) orwhether the driver stays within the lane may be collected. In at leastone embodiment, the telematics device 101 is configured to communicatewith sensors and/or one or more cameras in a vehicle that determinewhether the vehicle stays within a lane or strays into other lanes. Thetelematics device 101 may be configured to collect data from a vehiclewhen the vehicle prevents the driver from performing an action (e.g.changing lanes when a car is in a new lane, speeding, etc.)

The telematics device 101 may also be configured to collect datarelating to a driver's movements or the condition of a driver. Forexample, the telematics device 101 may include or communicate withsensors that monitor a driver's movements, such as the driver's eyeposition and/or head position, etc. Additionally, the telematics device101 may collect the condition of a driver, such as fatigue orintoxication. The condition of the driver may be determined through themovements of the driver or through sensors, for example, sensors thatdetect the content of alcohol in the air or blood alcohol content of thedriver, such as a breathalyzer.

The telematics device 101 may collect or receive the real-time data fromany type of input or output device 202. For example, the telematicsdevice 101 may receive data from a mobile telephone, a GlobalPositioning System (GPS), sensors positioned inside a vehicle, orsensors or devices remote from the vehicle. The sensors may include anytype of sensors, such as body sensors and electrical sensors. Thetelematics device 101 may also be configured to send the data or drivingscore to one or more output devices 202. For example, the telematicsdevice 101 may send the driving score to a mobile telephone or a keyfob. Additionally or alternatively, the telematics device 101 may beconfigured to display the driving score within the vehicle. For example,the telematics device 101 may project the score on a vehicle'swindshield or on the rear view mirror.

The driving score may be stored by the computing device 201 or may besent to a separate processor or server for storing. Alternatively, thedriving score may be stored in the memory of an input/output device 202,such as a key fob or a mobile telephone. In at least one embodiment, thedriving score may be stored in a portable device and transferred fromthe portable device to another device. For example, the driving scoremay be stored in a driver's mobile telephone and transferred to adevice, such as a computer, at the department of motor vehicles.

In at least one embodiment, the telematics device 101 can determine thedriver of the vehicle. The driver may be determined by any suitablemeans. For example, the driving behavior of the driver may determine thedriver, each driver may have a specific key fob to start the vehicle, orsensors within the telematics device 101 or vehicle may determine thedriver. This may be done in any suitable manner. For example, the weightof the driver may be sensed. The telematics device 101 may also identifythe driver through voice recognition, codes, fingerprint or retinalrecognition, etc.

The telematics device 101 or computing device 201 may also capture orreceive external data such as the location of the vehicle, weather, thetraffic, the type of road, barometric pressure, and/or the time of daythe vehicle is being driven. The external data may be collected fromcomponents within a vehicle or received from a third party 203. Thenumber of miles driven, number of miles driven at certain times of theday, the number of miles per trip, the duration of the trip, the numberof trips over a certain time, such as a day, month, or week, and/or thetime of day the vehicle is driven may also be collected and/or received.In at least one embodiment, the driver's score may be generated andassigned to an autonomous car based on the autonomous car's drivingperformance.

The computing device 201 may calculate the driving score in any suitablemanner. For example, the computing device 201 may apply weights to anyof the collected or received data described above. The driving score maytake into account data relating to the driver. For example, the drivingscore may take into account the driver's age, the driver's medicalhistory and/or the driver's vision. The driving score may increase ordecrease based on the real-time data collected by the telematics device101 and the external data received. For example, if a driverconsistently abides by the posted speed limits, wears a seatbelt, andkeeps the vehicle in good repair, the driver's score may be increased.Alternatively, if the driver regularly speeds, does not repair thevehicle, and regularly brakes hard, the driver's score may be negativelyaffected.

The driving score may be any type of value, such as a numerical oralphabetical value. For example, the driving score may be a numberbetween 0 and 800, similar to a credit score, or a score between 0 and1.0, a letter grade, such as A, B, C, D, or F, with plus/minusgradients.

In at least one embodiment, a validating agency may validate the drivingscore calculated by the computing device 201. The driving score may bevalidated by verifying the accuracy of the collected real-time datainputs or external data. Additionally, the driving score may bevalidated by verifying the calculation of the driving score and theoutput, i.e. value of the driving score. In at least one embodiment, thevalidating agency may be an insurance company. The validating agency maystandardize the driving scores and/or rules and algorithms forcalculating the driving score and may provide the driving scores toother agencies or entities. The validating agency may charge arequesting agency or entity for receiving driving scores. The requestingagencies or entities may be charged on a usage basis or subscriptionbasis.

The telematics device 101 may include an alert device that provides anaudible or visual alert. For example, the telematics device 101 may senda text or SMS message to a mobile phone or may send email to a driver togive the driver feedback about the driving. The alert may be sent at anytime. For example, the alert may be sent in real-time, e.g. at the timeof an event. Alternatively, a driving report may be generated. Thedriving report may be sent to one or more third parties, such as thedriver, an insurance agency, a credit agency, and/or a governmentalagency. The driving report may be sent at any time. In one embodiment,the driving report is sent at a predetermined frequency, for examplemonthly or weekly. The audible alert may be a tone or a voice that beepswhen a specific event happens, such as a driver exceeding a speed limitor a voice that instructs the driver that the vehicle is travellingabove the speed limit. A driver may be alerted, in the driving report orthrough the audible or visual alert of his or her driving score, his orher driving habits, and/or the effect of the driver's habits. The effectof the habit may include any type of information, such as informationrelating to the damage to or wear upon a vehicle or the effect of thedriver's habits on the driving score. For example, the driver may bealerted that frequent hard braking is negatively affecting his/herdriving score and/or may cause excessive wear to the brake pads.

The driving score may be utilized in any suitable way. For example, adriving score may be used to rent a car. Generally, a driver must beover the age of 25 to rent a car. However, car rental agencies may usethe driving score to remove the age requirement for renting a car. Forexample, a car rental agency may allow anyone with a driving score abovea certain threshold to rent a car. Alternatively, or additionally, thedriving score may be used by the car rental agencies to determine arental rate or an insurance rate for a rental car.

The driving score may be used by employers that require an employee todrive a vehicle (e.g. a taxi, trucker, delivery person, etc.). Theemployer may submit a request for a driver's driving score to the entitythat collects and/or verifies the driving score, such as an insuranceagency.

The driving score may be used by government agencies, such as thedepartment of motor vehicles (DMV). The DMV may use the driving score inlieu of a driver taking a driving test. In this embodiment, the DMV mayrequire a driver to log a specific number of hours driving and/or reacha threshold driving score. If the DMV's requirements are reached, theDMV may issue a license or a probationary license to a driver. The DMVmay also require a driver that has a license to maintain a driving scoreabove a threshold to keep his/her license. The driving score may bechecked periodically by the DMV to determine whether the driver's scoreis above the threshold limit. If the driver's score falls below athreshold limit, the driver's license may be revoked, the driver mayreceive a ticket, and/or or the driver may be required to attend drivingclasses or driving training.

The driving score may be used and accepted by all insurance companies.The insurance companies may use the driving score to determine anappropriate insurance policy or an appropriate rate for an insurancepolicy of a customer. In at least one embodiment, the driving score maybe used by a customer to evaluate and select the best insurance policyfrom a plurality of insurance companies.

The driving score may be sent to credit agencies and used inestablishing or altering a credit score. The driving score may also beused in credit card, mortgage, lease, loan, and/or school applicationsfor individuals who have little to no credit. For example, the drivingscore may be used as a predictor for determining whether the applicantwill fulfill his or her obligations. As described in U.S. Pat. No.8,086,523, which is incorporated by reference herein in its entirety, auser's credit score or may be generated by a statistical credit-scoringmodel, which is used to objectively evaluate information that pertainsto making a credit or credit-related decision. The statistical model mayconsider conventional credit risk information (e.g., a user's FICOscore, payment history, length of credit history, amount owed, types ofcredit used, new credit, etc.) as well as a driving score to calculatecredit score.

The driving score may be used to prevent individuals from driving incertain areas or drivers may be charged for entering certain areas.Additionally, the driving score may be used by an agency, such as agovernmental agency, to tax a driver. The tax may relate to gas taxes,taxes for using a certain road, and/or taxes for driving at a certaintime or using a certain road at a specific time.

The steps that follow may be implemented by one or more of thecomponents in FIGS. 1 and 2 and/or other components, including othercomputing devices. FIG. 3 illustrates a method 300 of calculating andutilizing a driving score according to one or more aspects of theinvention. As illustrated in step 301, a telematics device 101 capturesreal-time driving inputs for one or more drivers, as discussed in detailabove. In step 302, external or driving conditions may be captured orreceived, as discussed above. The external or driving conditions may beprovided by a third party, may be determined from databases or files,and/or may be captured by the telematics device 101.

In step 303, the computing device 201 calculates or generates a drivingscore for one or more drivers, as discussed in detail above. The drivingscore may be based at least in part on the real-time driving inputs andthe external or driving conditions captured and/or received in steps 301and 302. In step 304, the calculated driving score may be validated. Thedriving score may be validated by a validating entity or by the entitythat oversees the calculation/generation of the driving score. Thedriving score may be validated by verifying the inputs and outputs ofthe calculation. The driving score may be any numerical, alphabetical,or graphical value.

In step 305, the driving score may be sent to an individual and/or anentity. For example, the driving score may be sent to a computingdevice, an input/output device 202, such as a portable device, thedriver, or an insurance or governmental agency. The driving score mayalso be displayed, as illustrated in step 306. The driving score may bedisplayed on any type of device. For example, the driving score may bedisplayed on a computing device, mobile telephone, key fob, or may bedisplayed on items within the vehicle, such as the windshield orrearview mirror. As illustrated in step 307, the driving score may bestored. The driving score may be stored on any type of device includingmemory. For example, the computing device 201 and/or input/outputdevices 202 may store in the driving score. In at least one embodiment,the driving score is stored in the non-volatile memory of a key fob fora vehicle.

The computing device 201 may generate a driving report for one or moredrivers, as illustrated in step 308. The driving report may contain anytype of information. For example, the driving report may contain thedriver's name, the vehicle(s) driven, the driving score, the drivinghabits of a driver, and/or the effect of the driver's driving habits onthe vehicle. Additionally or alternatively, the driving report maycontain information regarding the calculation of the driving score andor the potential changes to the driving score based on the informationwithin the driving report. As an example, the driving report may containinformation such as the name and an identifier of the driver, such as adriver's license number, the vehicle description, the driver's habits,such as excessive braking and routine speeding, and the effects of theexcessive braking to the vehicle and the potential decrease to adriver's score because of the excessive braking and routine speeding. Asillustrated in step 309, the driving report may be sent to individualsor entities. For example the driving report may be sent to the driver ormay be sent to an insurance agency or credit agency, as discussed above.

Aspects of the disclosure have been described in terms of illustrativeembodiments thereof. Numerous other embodiments, modifications andvariations will occur to persons of ordinary skill in the art from areview of this disclosure. For example, one of ordinary skill in the artwill appreciate that the steps illustrated in the illustrative figuresmay be performed in other than the recited order, and that one or moresteps illustrated may be optional in accordance with aspects of thedisclosure. Additionally, those skilled in the art will appreciate thatthere are numerous variations and permutations of the above-describedsystems and techniques that fall within the spirit and scope of theinvention as set forth in the appended claims.

What is claimed is:
 1. An apparatus comprising: one or more processors;and memory storing instructions that, when executed by the one or moreprocessors, cause the apparatus to: receive, from a telematics device,using a first network connection with the telematics device: anindication of a vehicle; and trip data comprising a type of a trip takenby the vehicle and a number of miles driven during the trip; determine,based on comparing the indication of the vehicle with a plurality ofavailable vehicles, an identity of the vehicle; generate a driving scorefor the vehicle based, at least in part, on the identity of the vehicle,the type of the trip, and the number of miles driven during the trip;and provide the driving score, wherein providing the driving scorecomprises: sending, to a computing device associated with a driver ofthe vehicle and using a second network connection, the driving score;sending, using a third network connection, the driving score to avalidation agency; receiving a validation of the driving score from thevalidation agency; and sending the driving score to at least one deviceassociated with an entity different than the driver of the vehicle. 2.The apparatus of claim 1, wherein the telematics device provides anotification of the driving score comprising at least one of: an audiblealert, or a visual alert.
 3. The apparatus of claim 1, wherein theinstructions, when executed by the one or more processors, cause theapparatus to generate the driving score further based on a number ofpassengers in the vehicle during the trip.
 4. The apparatus of claim 1,wherein the instructions, when executed by the one or more processors,cause the apparatus to generate the driving score further based, atleast in part, on a type of the vehicle.
 5. The apparatus of claim 1,wherein the instructions, when executed by the one or more processors,cause the apparatus to generate the driving score further based on aduration of the trip.
 6. The apparatus of claim 1, wherein the entitydetermines, based on the driving score, one or more of: an insurancepolicy, or an insurance rate.
 7. The apparatus of claim 1, wherein theentity manages the plurality of available vehicles, and wherein theplurality of available vehicles comprises the vehicle.
 8. The apparatusof claim 1, wherein the instructions, when executed by the one or moreprocessors, further cause the apparatus to determine that the type oftrip taken by the vehicle is an errand trip, a commute trip, or a newtrip.
 9. The apparatus of claim 1, wherein the first network connectionand the second network connection are a same network connection.
 10. Theapparatus of claim 1, wherein: the trip data further comprises datarepresenting a driving action prevented by the vehicle; and generatingthe driving score is based, at least in part, on the data representingthe driving action prevented by the vehicle.
 11. A method comprising:receiving, by a first computing device and from a telematics deviceusing a first network connection with the first computing device: anindication of a vehicle; and trip data comprising a type of a trip takenby the vehicle and a number of miles driven during the trip;determining, by the first computing device, an identity of the vehiclebased on comparing the indication of the vehicle with a plurality ofavailable vehicles; generating, by the first computing device, a drivingscore for the vehicle based, at least in part, on the identity of thevehicle, the type of the trip, and the number of miles driven during thetrip; and providing the driving score, wherein providing the drivingscore comprises: sending, to a second computing device associated with adriver of the vehicle, the driving score; sending, using a third networkconnection, the driving score to a validation agency; receiving avalidation of the driving score from the validation agency; and sendingthe driving score to at least one device associated with an entitydifferent than the driver of the vehicle.
 12. The method of claim 11,wherein the telematics device provides a notification of the drivingscore comprising at least one of: an audible alert, or a visual alert.13. The method of claim 11, wherein the generating the driving scorefurther based, at least in part, on a type of the vehicle.
 14. Themethod of claim 11, wherein the entity manages the plurality ofavailable vehicles, and wherein the plurality of available vehiclescomprises the vehicle.
 15. A system comprising: a telematics devicecomprising: one or more first processors; and first memory storing firstinstructions that, when executed by the one or more first processors,cause the telematics device to: collect, via one or more sensors: anindication of a vehicle; and trip data comprising a type of a trip takenby the vehicle and a number of miles driven during the trip; and acomputing device comprising: one or more second processors; and secondmemory storing second instructions that, when executed by the one ormore second processors, cause the computing device to: receive, from thetelematics device and using a first network connection, the indicationof the vehicle and the trip data; determine, based on comparing theindication of the vehicle with a plurality of available vehicles, anidentity of the vehicle; generate a driving score for the vehicle based,at least in part, on the identity of the vehicle, the type of the trip,and the number of miles driven during the trip; and provide the drivingscore, wherein providing the driving score comprises: sending, to acomputing device associated with a driver of the vehicle and using asecond network connection, the driving score; sending, using a thirdnetwork connection, the driving score to a validation agency; receivinga validation of the driving score from the validation agency; andsending the driving score to at least one device associated with anentity different than the driver of the vehicle.
 16. The system of claim15, wherein the first instructions, when executed by the one or morefirst processors, further cause the telematics device to provide anotification comprising at least one of: an audible alert, or a visualalert.
 17. The system of claim 15, wherein the second instructions, whenexecuted by the one or more second processors, cause the computingdevice to generate the driving score further based on a number ofpassengers in the vehicle during the trip.
 18. The system of claim 15,wherein the second instructions, when executed by the one or more secondprocessors, cause the computing device to generate the driving scorefurther based, at least in part, on a type of the vehicle.
 19. Thesystem of claim 15, wherein the second instructions, when executed bythe one or more second processors, cause the computing device togenerate the driving score further based on a duration of the trip. 20.The system of claim 15, wherein the entity determines, based on thedriving score, at least one of one or more of: an insurance policy, oran insurance rate.